Experian & Regions Credit Card

[Kayceegee]

So I have a regions secured credit card for 500 dollars & in the month of December I let it get to 50% utilization but when January came I got my self together and paid balance in full but now in Feb, experian dropped my score 19 points saying i used Half of my cards amount, I tried disputing it but the decision doesnt say much. Am I in the wrong or do you guys think this can be disputed?

[dragontears]

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@Kayceegee wrote:

So I have a regions secured credit card for 500 dollars & in the month of December I let it get to 50% utilization but when January came I got my self together and paid balance in full but now in Feb, experian dropped my score 19 points saying i used Half of my cards amount, I tried disputing it but the decision doesnt say much. Am I in the wrong or do you guys think this can be disputed?

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Pull your reports and look to see what is actually being reported.

What date did the account in question last update? 

What is your immediate need for your credit? Is the time frame flexible? 

[Anonymous]

I would suggest leaving a micro balance on just one credit card.  If I pay off my card down to zero.  My FICO score drops but if I leave a 10 dollar balance on just one card.  My score doesn't drop.  

[FireMedic1]

What was the balance/date on the statement for Jan. Since you say you charged up to 50% in Dec. When it goes back to $0 for Feb. You'll get the points back.